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Never use retirement funds to repay personal loans: Personal loan EMIs, if piled up, can lead to a lot of repercussions like low CIBIL score, added stress and being chased by loan retrievers, among others. But that doesn’t mean you should break your retirement funds (like the provident fund) to pay off your personal loans. A financially secured post-retirement life is not something to compromise on.

Antony Micallef is a British artist who was taught by the great landscape painter John Virtue, who in turn was taught by the last of the post war painters the renowned Frank Auerbach. Widely recognised as one of the finest painters in contemporary art today. He has work in collections all over the world and has exhibited in group shows in institutions such as the National Portrait Gallery, Royal Academy, Tate Britain and the ICA London. His recent solo show ‘Raw Intent’ has just been exhibited at the Pedder Building with Pearl Lam Galleries in Hong Kong.